Most budgeting apps were built for Americans. They understand 401(k)s and Roth IRAs, but ask them about TFSA contribution room, RRSP deduction limits, or what an FHSA even is, and you get a blank stare. They weren't designed for the Canadian financial system, and it shows.
rogat.ai was built from the ground up for Canadian accounts. It natively understands every tax-advantaged account type — TFSA, RRSP, FHSA, and RESP — and tracks your contribution room, limits, and deadlines across all your financial institutions in one place. No spreadsheets. No guesswork. No importing CSVs from the CRA website.
The Problem With US-Built Finance Apps
If you've ever tried to track your registered accounts in a budgeting app built for Americans, you know the frustration. Here's what you're dealing with:
- US apps treat your TFSA as a generic "savings" account — no contribution room awareness
- No RRSP contribution tracking, no understanding of deduction limits or CRA rules
- RESP and FHSA? Completely unknown categories that don't exist in their systems
- You end up tracking contribution room on a spreadsheet, defeating the purpose of the app
Canadian tax-advantaged accounts have unique rules that don't map to any American equivalent. A TFSA isn't a Roth IRA. An FHSA has no US counterpart at all. And RESP grants don't exist anywhere else in the world. You need an app that was built with these accounts in mind from day one.
What rogat.ai Tracks
rogat.ai provides dedicated, intelligent tracking for all four of Canada's major tax-advantaged account types. Each one gets its own set of tools, limits, and alerts tailored to how that account actually works.
TFSA
Contribution room tracking with full awareness of the $7,000 annual limit for 2026. rogat.ai calculates your cumulative room based on your age and contribution history, tracks withdrawals (room restored the following January), and alerts you before you over-contribute.
RRSP
Contribution room based on your previous year's earned income, with deduction limit tracking and spousal RRSP support. rogat.ai also tracks Home Buyers' Plan (HBP) repayments so you never miss an annual minimum and trigger an unwanted tax event.
FHSA
Canada's newest registered account — the First Home Savings Account. rogat.ai tracks your $8,000 annual limit and $40,000 lifetime cap, including carry-forward of unused room. Contributions are tax-deductible, and withdrawals for a qualifying home purchase are tax-free.
RESP
Education savings tracking with CESG matching awareness — the government matches 20% on the first $2,500 contributed per beneficiary per year. rogat.ai tracks your lifetime contribution limit per beneficiary and shows how much grant room you've used.
How It Works
Getting started with tax-advantaged account tracking takes less than five minutes. There are no forms to fill out and no data to manually enter.
Link your investment accounts
Connect your TFSA at Wealthsimple, your RRSP at TD, your FHSA at Questrade — wherever your registered accounts live. rogat.ai supports all major Canadian banks and brokerages through Plaid.
Account type detected automatically
rogat.ai identifies whether each linked account is a TFSA, RRSP, FHSA, RESP, or non-registered account. No manual tagging required — the account type is recognized from your institution's data.
Contribution tracking starts immediately
As soon as your accounts are linked, rogat.ai begins tracking contributions, withdrawals, and remaining room. Your dashboard shows a clear picture of where you stand across every registered account.
Get alerts when approaching limits
rogat.ai sends proactive notifications like "You have $2,100 TFSA room remaining" or "RRSP deadline is in 18 days" so you can maximize your contributions without risking penalties.
Why This Matters for Tax Season
Tracking contribution room isn't just a nice-to-have — it's a financial necessity. The CRA enforces strict rules on every registered account type, and the penalties for getting it wrong are real.
Over-contributing to your TFSA triggers a 1% monthly penalty on the excess amount. Contribute $5,000 too much and you're paying $50 every month until you withdraw it — and many people don't realize the mistake for months.
Missing the RRSP deadline (usually the first 60 days of the year) means you lose an entire year of tax deduction. That could be thousands of dollars in tax savings gone because you didn't know how much room you had left.
FHSA has strict eligibility rules — you must be a first-time home buyer, and the account must be open for at least a year before you can make a qualifying withdrawal. rogat.ai tracks these timelines so you don't accidentally disqualify yourself.
RESP contributions beyond the lifetime limit ($50,000 per beneficiary) result in a 1% monthly penalty on the excess. And missing the optimal $2,500 annual contribution means leaving free government grant money on the table.
rogat.ai helps you maximize every dollar of contribution room while keeping you safely within CRA limits. No penalties, no missed deadlines, no lost tax deductions.
No Other App Does This
We looked at every major budgeting and finance app on the market. None of them offer what rogat.ai provides for Canadian registered accounts.
| App | TFSA/RRSP Tracking | Contribution Room |
|---|---|---|
| YNAB | No TFSA/RRSP awareness | No |
| Monarch Money | No Canadian account types | No |
| Credit Karma | Basic account view | No contribution tracking |
| Wealthsimple | Only their own accounts | Only their own accounts |
| rogat.ai | TFSA, RRSP, FHSA, RESP | Full tracking, all institutions |
Wealthsimple comes closest, but it only tracks accounts held with Wealthsimple. If your RRSP is at TD and your TFSA is at Questrade, you're out of luck. rogat.ai aggregates across all institutions, giving you a single, unified view of your total contribution room — no matter where your accounts live.
Maximize Your Tax-Advantaged Accounts
Stop tracking TFSA and RRSP contribution room on spreadsheets. Let rogat.ai handle it automatically, across all your institutions.
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